Ziina allows you to send and receive payments with just a phone number — no IBAN or swift code is required. Both you and the recipient need a Ziina account to send and receive payments. To easily send payments to your contacts, you can follow the steps below:

  1. Tap "Pay" from the Ziina home screen;

  2. Select the contact you want to send the payment to;

  3. Enter the amount - you can also add a note, an image or a nice GIF;

  4. Select "Pay With" and choose your payment method;

  5. Review the information and press "Confirm & Pay."